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Vera Bank

Encore Checking

Ideal for those 62 and older

Account Details:

  • Minimum balance to open $100
  • No monthly fee with just one of the following:
    • A minimum daily balance of $1,000, or
    • A monthly direct deposit of $500 or more (Otherwise $5.00 monthly fee)
  • One-time, penalty-free withdrawal from a VeraBank CD*
  • One standard order of VeraBank custom checks per year at no charge
  • VeraBank debit card
  • Available for those age 62 and older

Overdraft Protection Options:


*Withdrawal is penalty-free any time after the first 6 days of funding your CD.

**This feature is automatically available on our personal checking accounts. New accounts will be assigned a $100 overdraft limit for the first 30 days. After that, our dynamic limit may change at any time. Personal limits may range from $0 to $1,600 maximum. If the account is overdrawn for 24 days, the limit will drop to $0. There is no monthly fee for this service. There is a fee of $32 (subject to change} with a limit of four (4) overdraft fees per day for each overdraft created by check, in-person withdrawals, ATM withdrawals, auto transfer withdrawals, or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Opt-in required for Overdraft Privilege on ATM and everyday debit card transactions. See our Overdraft Privilege Policy for complete details.

***$5.00 fee per transfer; additional fees may apply from savings account.

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